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Not that I entirely agree with the parent, but as you said:

> if one cannot make the payment, they are in trouble.

That's a function of cost of borrowing, not the amount borrowed.




If you also mean negative interest, than yes. Otherwise, the rate of interest is meaningless if the debt cannot be collected.


The cost of borrowing is the difference between the amount borrowed and repayed. So yes it matters. Even with negative interest rates there's principal to repay.




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